All are at risk.

Directors and chief executive officers are now far more exposed to legal action. David Fanning explains that their need for directors and officers insurance is greater than ever before.

As company directors and officers face a widening barrage of
legislation, regulation and litigation, their liability insurers are
battening down the hatches and preparing for a stormy year or two.
Directors and officers (D&O) insurance rates are hardening, as loss ratios
worsen and insurers and their reinsurers contemplate mounting claims and
increasingly unfavourable court decisions.


The good news is that D&O insurers are reacting well to the changing
circumstances of their policyholders, and